hsbc-credit-card bills

HSBC Credit Card Bill

What to Do When You Can’t Pay Your HSBC credit card Bill

For close to 150 years, HSBC has provides excellent financial products and services to millions of customers around the world. One product that is designed to provide financial freedom is the HSBC credit card. The credit card offers:

  • No membership fees
  • Low monthly interest rates
  • 24 hour customer service

How to Pay the Bill

Variety is the spice of life, even when you need to pay your credit card bill. HSBC provides the following services designed to be easy and convenient.

Pay online: Customers can pay your HSBC credit card online by visiting The service is free and only requires customers register your account.

Automatic draft: Do you want to reduce convenience fees? Sign up for automatic draft from your bank account.

Pay by mail: Customers can send you bill payment to:

HSBC Card Services
P.O. Box 49352
San Jose, CA 95161-9352


HSBC Card Services
1301 E. Tower Rd.
Schaumburg, IL 60173

Pay by phone: For a small convenience fee, customers can pay your HSBC credit card bill by calling customer service at 1-888-385-8916.

Questions About Your Billing Statement or Account?

As a financial institution, HSBC charges several service charges and fees to customers, whether on a non-recurring basis or on a monthly basis. Although you may know that the company charges fees, you may not understand the terminology. For complete details about the service charges and fees, visit the HSBC Credit Card Member Agreement. Do you need additional information? Call 1-888-385-8916.

How the Penalty Fees Work

As one of the world’s largest financial institutions, HSBC is in the practice of charging customers a service charges and fees on your bill. The fees and charges include, account fees, late payment fees, returned payment fees and stop payment fees.

  • Stop payment – $29
  • Retuned payment – $25
  • Over the limit – $25
  • Late payment – $19 (balance up to $250); $25 (balance more than $251); $35 (additional late payment with balances more than $251)
  • Balance transfer – 3% to 4% of the transferred amount or $5 to $10
  • Cash advance – 3% to 4% of the cash advance amount or $10
  • Foreign transfer – 3% of the transferred amount
  • Overdraft – 3% of the overdraft amount or $5
  • APR – 9.99% to 27.24% (applies to regular purchases and penalties)

I Can’t Make a Payment

At times, you could face financial hardships and not have the ability to pay your bill. If you need assistance, call customer service at 1-888-385-8916 prior to receiving a late payment notification. HSBC gives customers two options if you can’t pay your bill.

  • Skip a payment – If you can’t make a timely payment, call customer service and request to skip a bill payment. Customers are charged interest when payments are skipped.
  • Payment plan – Customers place your past due balance on a payment plan. You are given the opportunity to pay the past due balance over the course of several months.

Will They Work With Me to Pay My Bill?

Leave us a comment about your experiences dealing with HSBC credit card customer service when you can’t pay your bill.

4 Comments on “HSBC Credit Card Bill
  1. I just want to receive a copy of my debit credit balanced thru my email address, because I didn’t receive anything from the courier to home.I’m always paying but I dont know how much more balanced need to pay.Hoping your soonest reply.

    Angelito Regencia Manila

  2. To whom this may concern
    I had to file bankruptcy in 2012 Oct. the account that I had with HSBC Card Services inc still list as an open account although it was included in the bankruptcy. Please show this account closed on the 3 credit reporting agency. This debt is in bankruptcy and needs to show the updated information as closed. Thank you
    Valerie Kelly

  3. I would like a copy of my bill so that I can pay it. I have no idea how much I owe as I never get a copy of the bill. Please send one.
    Anne M. Bell

  4. I just tried to mail a payment to the San Jose address on May 2 and it got returned twice. Hopefully the IL address is accurate.

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